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Thoughts on the Street Beggar

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In a nutshell I am curious how others deal with the homeless begging on the corner of every shopping center in town. I understand times are tough and many are trying to make it for their families but how do you tell the difference between the professional street beggar and the one that is there out of circumstance. I hate giving money to someone and having to worry they are just going to run out and buy smokes or booze. Boise, Idaho is such that there are many shelters and organizations that feed and provide shelter for the homeless so I struggle with handing money out my window to a stranger. I would much rather donate it to the local food bank or shelter to make the most of it. Plus handing money out the window seems so impulsive and to me that isn’t how we are supposed to be with our finances. I don’t know… Any thoughts because I feel a bit callous about this whole thing.